It actually makes sense, if you think about that paragraph for a moment.
Manyplenty of policies offer a pre existing condition exclusion waiver. Generally, you have to purchase the insurance within a certain number of initial days trip deposit or by the final payment date, cover the entire cost and length of your trip, and be medically able to travel when you purchase the policy. What does all this mean for you? With all that said... Review policies, so choose a policy that works for your circumstances. Next, read your policy so you know the ins and outs of how to make sure you must get coverage if you need it. And, unless you know you have no 'preexisting' conditions, buy a policy without the exclusion, or exercise a policy waiver that contains one.
Use of this site constitutes acceptance of our User Agreement. An example to show how broad the definition can be. Let's say you visit your doctor in January because you've had a twinge in your back for a few days. The doctor recommends you see a physical therapist.
The next day, your back clears up. No need to see anyone. Now look. In March, you book a trip to Europe for June.
There are good resources online, similar to TripInsuranceStore.
SquareMouth, or insuremytrip. You won't know until you compare. Like cruise lines, might be better for you. Take the time, I'll say it again, to read the policy. It's best not to make assumptions, like most travel purchases. Returning home in pain is bad enough. Don't intensify it by unnecessarily paying thousands of dollars you could use on your next trip. You feel great, when you leave for Europe five months after you felt that twinge. Certainly, three days in, your back goes out. You have to interrupt the trip and return home. You purchase a 'lastminute', you can't fly coach because there's no way you can sit upright for eight hours, 'business class' seat, that will probably cost upwards of